{
  "canonical_url": "https://lendb.ai/in/florida/okaloosa-county/conventional-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 154 funded conventional home loans in Okaloosa County, FL in 2025, 1,385 loans in all, per HMDA, FFIEC/CFPB data. The most active were Rocket Mortgage (167), United Wholesale Mortgage (123) and CrossCountry Mortgage (106). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Okaloosa County are linked below.",
  "county": {
    "fips": "12091",
    "name": "Okaloosa County",
    "state": "FL"
  },
  "loan_type": "conventional",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 154,
    "lenders_10": 32,
    "loans": 1385,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 167,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 123,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3029,
      "name": "CrossCountry Mortgage",
      "slug": "crosscountry-mortgage-3029",
      "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
      "loans": 106,
      "includes_brokered": false,
      "loan_officers": {
        "total": 27,
        "people": [
          {
            "nmls_id": 626467,
            "full_name": "Danielle Heitner",
            "canonical_url": "https://lendb.ai/lo/danielle-heitner-626467",
            "branch_city": "Crestview",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1666711,
            "full_name": "Mallory Fotiades",
            "canonical_url": "https://lendb.ai/lo/mallory-fotiades-1666711",
            "branch_city": "Crestview",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1752706,
            "full_name": "Amy Harvell",
            "canonical_url": "https://lendb.ai/lo/amy-harvell-1752706",
            "branch_city": "Crestview",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 39179,
      "name": "Movement Mortgage",
      "slug": "movement-mortgage-39179",
      "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179",
      "loans": 103,
      "includes_brokered": false,
      "loan_officers": {
        "total": 6,
        "people": [
          {
            "nmls_id": 518429,
            "full_name": "Sheryl Douglas",
            "canonical_url": "https://lendb.ai/lo/sheryl-douglas-518429",
            "branch_city": "Fort Walton Beach",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1207116,
            "full_name": "Paige Gailor",
            "canonical_url": "https://lendb.ai/lo/paige-gailor-1207116",
            "branch_city": "Fort Walton Beach",
            "branch_state": "FL"
          },
          {
            "nmls_id": 1449525,
            "full_name": "Lindsay Fretina",
            "canonical_url": "https://lendb.ai/lo/lindsay-fretina-1449525",
            "branch_city": "Fort Walton Beach",
            "branch_state": "FL"
          }
        ]
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 67,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 186434,
      "name": "Waterstone Mortgage",
      "slug": "waterstone-mortgage-186434",
      "canonical_url": "https://lendb.ai/lender/waterstone-mortgage-186434",
      "loans": 55,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 43,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 174490,
      "name": "Regions Bank",
      "slug": "regions-bank-174490",
      "canonical_url": "https://lendb.ai/lender/regions-bank-174490",
      "loans": 42,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 33,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 13649,
      "name": "PrimeLending",
      "slug": "primelending-13649",
      "canonical_url": "https://lendb.ai/lender/primelending-13649",
      "loans": 23,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}